Understanding exactly what type of insurance you need is key to protecting your business.
Whether you’re operating as an individual tradie or you run a larger plumbing business, working as a plumber involves a level of risk so having the right type of plumbing insurance in place is essential for your safety and peace of mind.
Plumbers do more than fix toilets and make house calls. Their work can involve drainage, fire protection, gas fitting, irrigation, stormwater roofing, sanitation, and water supply. With this sort of work comes risk where you or someone else can be injured, damage can occur to someone’s property, or your plumbing tools can be stolen.
Phoenix Insurance Broker can take care of all your plumbers’ insurance needs and advise you on the type of insurance that’s best for your business.
Some types of insurance are essential for plumbers, and some are recommended.
In most Australian states, Public Liability insurance is essential to get your plumbing licence. Professional Indemnity insurance is typically recommended too. Trades Insurance for your tools is also highly recommended as is commercial vehicle insurance for the vehicles you use to get to and from jobs. Workers Compensation insurance is a must if you employ other tradies and staff.
If you operate your business in WA, NT, QLD, NSW, ACT, VIC, TAS or SA – our plumber insurance brokers can help. Get A Quote »
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At Phoenix Insurance Brokers, we know insurance can be complex and challenging. That’s why we work alongside our clients to make sure they have the best level of protection in place. And as a valued Phoenix client, in the event of a claim, we always go the extra mile to ensure all entitlements are received. Phoenix understands the type of insurance plumbers need yet they also know every plumbing business is different. That’s why your Phoenix broker will work with you to tailor a comprehensive insurance policy to suit your particular needs. Your Phoenix Insurance Broker knows and understands the risks involved in the plumbing trade. You can rest assured they will work with you to make sure you have the right insurance cover in place.
Insurance is complex. Knowing which policies to choose from to protect your business involves specialist knowledge. Phoenix Insurance Brokers has been providing insurance advice to Western Australian small and medium-sized businesses for more than 30 years. We have the knowledge and experience to know what you need to protect your small business and our service is second to none. We also know you’ll love our friendly and highly qualified team.
Using Phoenix Insurance Brokers Perth gives you access to economies of scale and insurance packages that have been specially developed through our alliance with the Steadfast Group, Australia’s largest insurance broker cluster group. Our Steadfast alliance ensures our clients receive Phoenix’s signature personalised service together with the benefits of Steadfast’s impressive buying power.
Phoenix can assist with all your general insurance needs including accessing and reviewing your insurance, full claims management, arranging premium funding and risk management.
Not only will your Phoenix Insurance Broker help you decide which policies are right for your business, they can also package multiple policies together so you only pay one premium that you can spread out over a year (to assist with cash flow). Your Phoenix Broker will also work with you to make sure your insurance changes as your business changes, so you’re only paying for what you need or you’re adding cover as your business grows.
We’re here to assist you every step of the way. With three locations throughout the state in Como, Busselton, and Broome, one of our branches is local to you. Our head office is in Preston Street in Como. Our Broome office represents our clients in the state’s North-West while our Busselton office has been servicing our clients in the South-West for almost 20 years. We also cater to clients in the Rockingham and Peel regions.
Insurance can be complex. Often you think you’re doing the right thing by taking out a particular policy, only to find you’re not adequately covered for a scenario when it comes to making a claim. This can be costly, time-consuming and frustrating. As experienced insurance brokers, Phoenix can work with you to ensure you have the right policies in place to protect your business so that if the worst happens you can get back to work as soon as possible. With Phoenix, we take care of the details, giving you peace of mind and leaving you to get on and do what you do best.
Some people dream of running their own business but that doesn’t mean there aren’t challenges and risks along the way and a lot of hard work. While we can’t help run the day to day, we can put you on the right path when it comes to insurance. Having the right insurance in place is essential to protect your plumbing business against unexpected challenges.
Sifting through the myriad policies on the market and knowing what policies will best protect you can be a minefield. That’s when an experienced insurance broker, who can guide you through the maze and explain the pros and cons of insurance, can be very helpful. Having the right insurance in place can make all the difference to your bottom line should things go wrong.
Whether you’re a subbie who only needs plumbers’ public liability insurance or a larger plumbing business that needs a full broker service, we can help.
Below are some of the different types of insurance you need to consider for your plumbing business.
Public Liability Insurance is one of the most important types of cover for plumbers.
Plumbers’ Public Liability insurance coverage can protect you if you injure a person or damage their property through negligence. Things can go wrong on jobs for even the most skilled plumber, and it might not be your fault. Every job is different and often there are unforeseen circumstances.
Even if you are subcontracting to another plumber (or plumbing company) you could still be responsible in the event of a claim, which makes Public Liability insurance cover a must.
For residential plumbers, the cost of Public Liability insurance is quite reasonable. If you’re undertaking commercial work (especially on multi-storey buildings) it can become more expensive.
This type of insurance is essential for plumbers as it can cover expenses incurred from a third-party claim against you, including legal costs, fees, and other expenses. Public Liability insurance won’t cover you for claims or injuries by your employees. To protect against this sort of scenario, you’ll need Workers’ Compensation Insurance as a part of your overall plumbers’ insurance policy.
A common question we get asked is ‘do plumbers need Professional Indemnity Insurance?’
If you provide advice or deliver a service that you charge for you should strongly consider Professional Indemnity Insurance. Trades such as plumbers, roofers and electricians are increasingly requiring this type of insurance for the provision of reports advising on the condition of a property.
As a plumber, you will advise on plumbing related issues. There is always a possibility that the advice is problematic for one reason or another, which can cause someone to suffer a loss. In this case, a claim for compensation can be made against you.
It’s highly recommended you protect your business against the costs of any claim and in particular the legal costs to defend any claim made against your business.
Tool theft is a frustrating reality for many tradies and plumbers are no different. If your tools are stolen or vandalised, you can’t work so insuring them will mean if something should happen to them, you can get back to work as soon as possible.
Taking out an insurance policy for your tools can be an affordable way to secure them and it can save you time and money in the long run.
Trades insurance also covers you for loss or damage due to fire, or damage caused in a vehicle accident.
Tools Insurance can provide you with immediate funds to buy a new set of tools, allowing you to get back to work without having to rely on cheap, temporary replacements.
If your plumbing business grows and you form a company and employ staff, you’d be well advised to consider Management Liability Insurance.
Your Phoenix Insurance Broker can discuss this type of insurance with you as your business grows. In our experience, many plumbing business owners are underinsured with only basic Public Liability Insurance in place that doesn’t suit their growing business.
Your business is your asset, so it’s essential to make sure it’s protected and insured against all risks.
Workers Compensation Insurance is compulsory insurance cover in Australia required by law. This insurance is designed to cover the cost of an employee injury or illness related to their work, including if they are injured while working offsite.
Even with the best safety planning, there are a lot of hazards on a plumbing job site and accidents do happen. Hazards such as working at high heights and with extreme temperatures and common plumbing injuries include those to the eyes and hand tools.
If you employ other workers, each of them will need to be covered by appropriate Workers’ Compensation Insurance. Without this cover as a part of your plumbers’ insurance, your business could face large government penalties, as well as liability for medical bills and other expenses.
As an individual tradie or subcontractor, you’re not entitled to paid sick leave, and in many cases, Workers’ Compensation Insurance.
This means it’s important to protect your income and your livelihood. Personal Accident insurance or Income Protection insurance as it’s also known covers your income when you can’t work in your trade due to sickness or injury.
Starting your own plumbing business can be a big step and a dream come true for many people. You know you’re going to work hard because you’re working for yourself and the work you put in should mean you see the rewards. Whether you’re starting a business, or you’ve been running your own business for a while and you know you need to get on to sorting out your insurance, Phoenix Insurance Brokers can guide you every step of the way.
Now that we’ve covered the basics and some insurance options for you to consider above, there’s no better time than today to get in touch with your local Phoenix Insurance Broker to talk about how we can help you safeguard your plumbing business.
While insurance is our business, our philosophy is about people and building strong, solid relationships with them. We partner with all our clients to achieve the best possible outcomes, for them, their families, and their businesses.
Common types of insurance taken out by plumbing businesses include Public Liability Insurance, Professional Indemnity Insurance and Tools Insurance. If you employ staff, Worker’s Compensation Insurance is mandatory. There are many policies on the market from which to choose. Your Phoenix Insurance Broker can tailor a policy specific to your plumbing business needs.
You must have Workers’ Compensation insurance for anyone you employ in your plumbing business including full-time workers on a wage or salary, part-time, casual, and seasonal workers. This is a mandatory insurance in Australia.
In the event, you need to make a claim, get in touch with your Phoenix Insurance Broker and we’ll guide you from there. Remember that we work for you, not the insurance company. Whether you need advice, you need to make a claim or change your policy, your Phoenix Broker will take care of all your plumbing insurance needs.
Yes, you can make changes to your plumbing insurance policy. If things change, like your address, or your business grows and you employ more staff, and you want to make sure your insurance still covers you, simply call your Phoenix Insurance Broker on (08) 9367 7399 or email us at info@phoenixins.com.au.
Your plumber insurance renewal offer will be sent to you prior to the renewal date. Once you are happy with the details (taking into account any changes in cover and price), all you’ll need to do is pay your renewal by the due date. Your Phoenix Broker is there to discuss with you at any stage of the renewal process.
It’s up to you! Your Phoenix Insurance Broker can work with you to not only bundle your insurance policies into a package that’s tailored to your plumber business requirements, they can also help you to manage your premiums by showing you how you can pay them monthly to assist with cashflow or if you prefer, paying them annually. Phoenix is your plumbing insurance broker!
For all your plumbing business insurance needs and questions, contact us on (08) 9367 7399 or at info@phoenixins.com.au. You can also view our full contact details and locations.
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